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Health Spending Accounts

Would you like to have more control over where your health care dollars go? Then high-deductible, or consumer-directed, health care plans might be for you. These kinds of plans usually have a higher deductible than a traditional plan, but they often have a lower premium. They can be paired with a health spending account, which allows you to have more control of where your health care dollars go.

Health spending accounts come in three forms:

Health savings account, or HSA

Health reimbursement arrangement, or HRA

Flexible spending account, or FSA

Each of these accounts works differently and comes with its own advantages.